TITLE:
Public Pension Scheme Provisions and Perceived Financial Well-Being: The Case of Primary School Teachers in Wakiso District, Uganda
AUTHORS:
Samuel Kamusiime, Francis Kasekende, Wilson Muyinda Mande
KEYWORDS:
Public Pension Scheme Provisions, Perceived Financial Wellbeing, Readiness to Change Jobs
JOURNAL NAME:
Open Journal of Social Sciences,
Vol.13 No.11,
November
28,
2025
ABSTRACT: Purpose: This study investigates the contribution of public pension scheme provisions to the perceived financial well-being of retiring primary school teachers in Uganda’s Wakiso District. Design/methodology/approach: Using a mixed-methods approach that combined a survey of 226 teachers and nine qualitative interviews, the study applied correlation and regression analyses to assess five key indicators: Security, Sustainability, Expansion, Adequacy, and Commitment. Findings: The results show that adequacy and expansion of the pension scheme significantly predict perceived financial well-being, whereas security, sustainability, and commitment do not. The study recommends that policymakers enhance the adequacy and reach of pension provisions to better support financial well-being in retirement. Research limitations/implications: Given its cross-sectional design and the limited timeframe of 2018 to 2023, future research could benefit from a broader scope, such as a national study of secondary school teachers, employing a triangulation approach through interviews for greater generalizability. Practical implications: To improve the financial well-being of retiring teachers, policymakers should focus on enhancing the adequacy and expansion of pension provisions, ensuring the timely and equitable disbursement of benefits to eligible retirees. Originality/value: This is one of the few studies that focus on testing the moderating effects of readiness to change jobs on the relationship between public pension scheme provisions and perceived financial wellbeing in Uganda’s lower education system.